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ophthalmologist.
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The blindness must not be
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correctable by surgical
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procedures, implants or
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any other means.
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Manulife CI FlexiCare (Deluxe) v0123
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Page 14 of 42
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Manulife (Singapore) Pte. Ltd.
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A Manulife Company
|
Conditions
|
7. Coma
|
Early Stage
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Coma for 48 hours
|
Coma that persists for at
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least forty-eight (48)
|
continuous hours. This
|
diagnosis must be
|
supported by evidence of
|
all of the following:
|
• No response to external
|
stimuli for at least fortyeight (48) hours;
|
• The use of life support
|
measures to sustain life;
|
and
|
• Brain damage resulting
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in permanent
|
neurological deficit
|
which must be assessed
|
at least thirty (30) days
|
after the onset of the
|
coma.
|
For the above definition,
|
medically induced coma
|
and coma resulting directly
|
from alcohol or drug abuse
|
are excluded.
|
Intermediate Stage
|
Severe Epilepsy
|
Severe epilepsy confirmed
|
by all of the following:
|
• diagnosis made by a
|
specialist in the relevant
|
field by the use of
|
electroencephalography
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(EEG), magnetic
|
resonance imaging
|
(MRI), position emission
|
tomography (PET) or
|
any other appropriate
|
diagnostic test that is
|
available,
|
• there must be
|
documentation of
|
recurrent unprovoked
|
tonic-clonic or grand mal
|
seizures of more than 5
|
attacks per week, and
|
be known to be resistant
|
to optimal therapy as
|
confirmed by drug
|
serum-level testing, and
|
• the life insured must
|
have been taking at
|
least two (2) prescribed
|
antiepileptic
|
(anticonvulsant)
|
medications for at least
|
six (6) months on the
|
recommendation of a
|
specialist in the relevant
|
field.
|
Advanced Stage1
|
Coma for 96 hours
|
A coma that persists for at
|
least ninety-six (96) hours.
|
This diagnosis must be
|
supported by evidence of
|
all of the following:
|
• No response to external
|
stimuli for at least ninetysix (96) hours;
|
• Life support measures
|
are necessary to sustain
|
life; and
|
• Brain damage resulting
|
in permanent
|
neurological deficit
|
which must be assessed
|
at least thirty (30) days
|
after the onset of the
|
coma.
|
For the above definition,
|
medically induced coma
|
and coma resulting directly
|
from alcohol or drug abuse
|
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